How to get more money from an insurance adjuster?

To get more money from an insurance adjuster, you need to be prepared, organized, and professional rather than adversarial. Document everything thoroughly with photos, videos, receipts, estimates, and inventory of damaged items before adjuster visit. Get independent repair estimates from reputable contractors to compare with insurer estimate. Understand your policy coverage, limits, deductibles, and exclusions so you can point out applicable coverages. Do not accept first offer quickly, ask for detailed breakdown of how settlement was calculated and point out missing items or low unit costs. Provide evidence of additional living expenses, lost income, and hidden damages. Keep communication polite and factual, avoid exaggeration which damages credibility. If you disagree, request reinspection, provide contractor estimate, and ask about dispute resolution or appraisal clause. Consider hiring public adjuster for large losses, they negotiate on your behalf for percentage fee. Keep log of all conversations, emails, and expenses. Being organized, providing proof, and knowing policy rights typically results in higher fair settlement without needing confrontation.